# Actual Budget

A local-first, envelope-budgeting app that syncs on your own terms.

HTML: https://softbests.com/software/actual-budget
Markdown: https://softbests.com/software/actual-budget.md
Website: https://actualbudget.org

- Category: [Productivity](https://softbests.com/category/productivity)
- Pricing: Open source
- Platforms: macOS, Windows, Linux, Web, iOS, Android, Self-hosted

## Best for

People who want YNAB-style envelope budgeting without a subscription or handing transactions to a cloud service.

## Why it deserves attention

Actual Budget keeps your budget in a local database and runs on desktop, the web, and mobile, with an optional sync server you host yourself. It supports envelope budgeting, scheduled transactions, rules for auto-categorizing payees, reports, and imports from bank exports or aggregators. The app is MIT-licensed and free, and the sync protocol is open. The trade-off is that setup requires some comfort with Docker or a local server if you want multi-device sync, and some bank connections depend on third-party aggregators with their own limits.

## Can replace

- YNAB

## Related and alternatives

- [Syncthing](https://softbests.com/software/syncthing)
- [Cryptomator](https://softbests.com/software/cryptomator)